HomeCompareMMSB vs SCHD

MMSB vs SCHD: Dividend Comparison 2026

MMSB yields 8.76% · SCHD yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MMSB wins by $6.7K in total portfolio value
10 years
MMSB
MMSB
● Live price
8.76%
Share price
$22.84
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.7K
Annual income
$1,521.86
Full MMSB calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — MMSB vs SCHD

📍 MMSB pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodMMSBSCHD
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, MMSB + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
MMSB pays
SCHD pays
Both pay
Neither
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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

MMSB
Annual income on $10K today (after 15% tax)
$744.33/yr
After 10yr DRIP, annual income (after tax)
$1,293.58/yr
SCHD
Annual income on $10K today (after 15% tax)
$294.40/yr
After 10yr DRIP, annual income (after tax)
$362.06/yr
At 15% tax rate, MMSB beats the other by $931.52/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of MMSB + SCHD for your $10,000?

MMSB: 50%SCHD: 50%
100% SCHD50/50100% MMSB
Portfolio after 10yr
$32.4K
Annual income
$973.90/yr
Blended yield
3.01%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MMSB buys
0
SCHD buys
0
No recent congressional trades found for MMSB or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMMSBSCHD
Forward yield8.76%3.46%
Annual dividend / share$2.00$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$35.7K$29.0K
Annual income after 10y$1,521.86$425.95
Total dividends collected$12.0K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: MMSB vs SCHD ($10,000, DRIP)

YearMMSB PortfolioMMSB Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,576$875.68$11,226$346.36+$350.00MMSB
2$13,333$947.34$12,572$357.38+$761.00MMSB
3$15,286$1,019.80$14,046$367.84+$1.2KMMSB
4$17,449$1,092.70$15,660$377.73+$1.8KMMSB
5$19,836$1,165.70$17,425$387.07+$2.4KMMSB
6$22,463$1,238.48$19,354$395.86+$3.1KMMSB
7$25,347$1,310.74$21,461$404.13+$3.9KMMSB
8$28,503$1,382.22$23,762$411.89+$4.7KMMSB
9$31,951$1,452.67$26,272$419.15+$5.7KMMSB
10$35,709$1,521.86$29,010$425.95+$6.7KMMSB

MMSB vs SCHD: Complete Analysis 2026

MMSBStock

The adviser seeks to achieve the fund's investment objective primarily through a flexible multisector investment process that allocates investments across the global fixed-income markets. The fund, under normal circumstances, invests at least 80% of its assets in a diversified portfolio of debt or debt-related securities. The adviser will generally seek to maintain a portfolio modified duration to worst that does not exceed the duration of the Bloomberg Barclays U.S. Universal Index by more than 1 year.

Full MMSB Calculator →

SCHDETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.